ALERT: U.S. Federal Government will no longer issue or accept paper checks beginning September 30th. This could affect you! ACA has the solution!
Posted by Julie Sanford on June 24, 2025
ALERT: U.S. Federal Government will no longer issue or accept paper checks beginning September 30. This could affect you! ACA has the solution!
An Executive Order issued on March 25, 2025 mandates that, effective September 30, 2025, the Federal Government will cease issuing paper checks and requires that payments made to the Federal Government also be processed electronically. This means that payments to the IRS, remittances from the IRS and payments/reimbursements for Social Security and Medicare will also be affected. ACA is concerned about this policy change and has already highlighted our concerns to the National Taxpayer Advocate (NTA) and will also be meeting with the IRS to discuss these changes.
This is why you need to apply for a State Department Federal Credit Union (SDFCU) bank account via your ACA membership*. You can make electronic payments to U.S. federal agencies (IRS and Social Security) and receive remittances with an SDFCU account. Additionally, there is an entire host of services and benefits for Americans abroad that can be accessed with SDFCU. See SDFCU's flyer below and our FAQ page.
If you are already an ACA member, visit on our helpful step-by-step instructions on how to apply for your SDFCU account.
If you are not yet an ACA member, then sign up NOW. Once you are a member of ACA, applying for an SDFCU account is as easy as 1,2,3. Don't delay, apply today. SDFCU is an insurance policy that allows Americans Abroad to maintain a U.S. based banking presence no matter what policy changes are made. Every U.S. citizen living overseas or thinking of moving overseas should have one.
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*Please note that once paid, ACA membership dues are not refundable. Joining ACA does not guarantee you an SDFCU account and cannot refund membership fees if you are unable to open an account. SDFCU is solely responsible for the SDFCU application process and applicants must meet SDFCU requirements in order to qualify.